1. Presented by Gary Martell, Jr. Mountain West Financial
Lending Outlook 2018
Presented by
Gary Martell, Jr.
Mountain West Financial

2. Money

3. First – Time Home Buyers In Age Group
2017 National Association of REALTORS Home Buyer and Seller Generational Trends

4. Interest Rates

8. Regulatory Environment

9. Non Qualified Mortgage (non QM) Qualified Mortgage QM)
Products
Subprime
Non Qualified Mortgage (non QM) Qualified Mortgage QM)

10. Qualifying Is Important
Ratios 35/45
VA residual
Investment community
Risk = Reward

11. Affordability
Home Prices
Interest rates
Income
Confidence

12. Lending in 2018 Higher rates than 2017 Tax changes (little impact)
Politics (polarized) very little impact
Regulations (reduced threat of regulatory burden)
Strong Secondary Market
Affordability

13. Another Outstanding Year
For those of us that:
Work hard!
Serve our clients!
Invest in our profession!
Do the right thing!

14. Opportunity
Send Your Clients To Mountain West Financial